2025-11-21

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Circular in Relation to Directive (EU) 2023/2225 on Consumer Credit and Minor Amendments to Insurance Conduct of Business Rules

The Malta Financial Services Authority issued this circular to implement Directive (EU) 2023/2225, known as the Consumer Credit Directive II, into local regulatory frameworks. The document outlines the necessary adjustments for credit agreements with consumers, repealing the previous Directive 2008/48/EC. Additionally, it introduces minor amendments to the Conduct of Business Rulebook applicable to insurance undertakings and insurance intermediaries.

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Circular in Relation to Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on Credit Agreements for Consumers and Repealing Directive 2008/48/EC (Consumer Credit Directive II) (CCD II) and Minor Amendments to the Conduct of Business Rulebook Applicable to Insurance Undertakings and Insurance Intermediaries

NOVEMBER 21, 2025

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emailaddress?subject=Circular in Relation to Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on Credit Agreements for Consumers and Repealing Directive 2008/48/EC (Consumer Credit Directive II) (CCD II) and Minor Amendments to the Conduct of Business Rulebook Applicable to Insurance Undertakings and Insurance Intermediaries&body=https://www.mfsa.mt/publication/circular-in-relation-to-directive-eu-2023-2225-of-the-european-parliament-and-of-the-council-of-18-october-2023-on-credit-agreements-for-consumers-and-repealing-directive-2008-48-ec-consumer-credit/

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